A Quote by Richard A. Falk
I once got a call from a bank, asking me to compute a mortgage, since their computers were down. This was a very depressing moment.
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The same with the mortgage brokers that were selling people mortgages they couldn't afford. We shouldn't pay them on each mortgage they write. They should have what they call "skin in the game," where they've got to reimburse us if the guy who sold the mortgage defaults.
Both HUD and the Department of Justice began bringing lawsuits against mortgage bankers when a higher percentage of minority applicants than white applicants were turned down for mortgage loans. A substantial majority of both black and white mortgage loan applicants had their loans approved but a statistical difference was enough to get a bank sued.
When I got a call from Hansal Mehta, the CEO of White Feathers, asking me to come for one of their films, I was very happy. I thought they'd have an interesting role for me. But when I got to know they just wanted me to stand in for Sanjay Dutt for some scenes, I decided to give this offer the pass.
I've been trying to write a book since before I was old enough to vote, and I've collected many rejection slips from publishers and magazines. I used to keep them all stuck to my refrigerator, with magnets, but an ex-girlfriend told me they were depressing, and defeatist, and suggested I take them down. A very wise suggestion on her part.
In June 2005, mortgage rates were at 40-year lows, and risk premiums on mortgage securities were at all-time lows. Once the banks migrated to the subprime area, there was little else that could be done to send housing prices higher.
Computers don't lie, but liars can compute.
I just got a call one day from Ringo asking me if I wanted to go out on the tour. It was as simple as that. He was putting together this band and he heard of me in the context of doing this and he gave me a call. I jumped at the chance.
When I was very young in London, I had a bank account, which didn't have a great deal in it. I should think at least every three months the bank manager would call me up and threaten to strangle me because I had no money, and I was writing checks.
In the old days, when you took out a mortgage, it was probably through a local bank or a credit union, and whoever gave you your loan held on to it for life. If you lost your job or got too sick to work and suddenly had trouble making your payments, you could call a human being and work things out.
Eventually I got the call for 'Iron Man,' and I read sides that had nothing to do with what I did in the movie, and I performed it once while no one was in the room - it was videotaped, and I'm sure Shane Black was watching it from his helicopter or something. And then I got a call the next day that I was going down to shoot it.
Because the moment you stop doing the very things that got you to the top of the mountain is the very moment you begin the slid down to the valley.
I can't really speak to what it was like to call yourself a feminist in the past on a personal level but I think calling oneself a feminist in the past may have been inimical because feminists in the '70s were the first to really challenge deeply embedded gender roles and demand concrete political and economic rights. They were asking for rights that seemed like a direct threat to those in power - they were asking for equality in a society that didn't have it in an obvious way. They were put down and villainized because they were seen as threatening.
Except for a handful of banks that just keep a handful of their loans in portfolio, on their balance sheet, every other loan that's originated in the United States - whether from a bank, mortgage company, mortgage broker - is sold into the secondary market.
Here we have been sitting down for a brief moment and you are already asking me if there are pictures of me in my drawers.
We think, over the long term, the real key to value of a bank is does it have true deposits from true long-term customers? People who actually know the bank, live in the neighborhood, work there, maybe have a mortgage there, credit card... That, to us, is the key to a bank.
You're asking if I'm happy? I've got 87 million in the bank, I've got a Rolls Royce, I've got 3 stalkers, I'm about to go on the board at Manchester City, I'm part of the greatest band in the world. Am I happy with that? No, I'm not! I want more!
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